The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$84,277
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,898
−HK$2,664/mo
Today · 4.125%
HK$89,562
baseline
▲ 0.50% · 4.625%
HK$95,011
+HK$5,449/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,124/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,757
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,272
−HK$2,550/mo
Today · 4.125%
HK$98,822
baseline
▲ 0.50% · 4.625%
HK$104,032
+HK$5,210/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,644/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,132
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,278
−HK$3,196/mo
Today · 4.125%
HK$107,474
baseline
▲ 0.50% · 4.625%
HK$114,014
+HK$6,540/mo
Deposit HK$14.78M · loan HK$22.18M · min. income ≈ HK$214,948/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,508
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,526
−HK$3,061/mo
Today · 4.125%
HK$118,587
baseline
▲ 0.50% · 4.625%
HK$124,838
+HK$6,251/mo
Deposit HK$14.78M · loan HK$22.18M · min. income ≈ HK$237,174/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,987
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$121,658
−HK$3,728/mo
Today · 4.125%
HK$125,386
baseline
▲ 0.50% · 4.625%
HK$133,016
+HK$7,630/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,772/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,260
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,780
−HK$3,571/mo
Today · 4.125%
HK$138,351
baseline
▲ 0.50% · 4.625%
HK$145,644
+HK$7,293/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,702/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,698
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$156,417
−HK$4,794/mo
Today · 4.125%
HK$161,211
baseline
▲ 0.50% · 4.625%
HK$171,020
+HK$9,809/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,422/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,763
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$173,289
−HK$4,591/mo
Today · 4.125%
HK$177,880
baseline
▲ 0.50% · 4.625%
HK$187,257
+HK$9,377/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,760/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,772 · Scale 2, in force from 26 Feb 2026)